Explore 2026 benefits for the Federal Employees Health Benefits (FEHB) Program

APWU Health Plan welcomes employees and retirees from all branches of the U.S. federal government. You can depend on an organization that has offered comprehensive coverage at an affordable price since 1960.

What are my health plan options?

APWU Health Plan offers a fee-for-service High Option and a Consumer Driven Option paired with a Personal Care Account.

Benefits

High Option

Low copays, low deductibles, and 100% coverage for many in-network services

Consumer Driven Option

A Personal Care Account, low costs, and 100% coverage for many in-network services

Nationwide provider network

100% coverage for many in-network services

Personal Care Account (PCA)

Wellness incentives

Preferred drug coverage

Eligible for Medicare Advantage

Low deductible & low copays

Eligible for Medicare Part D prescription drug plan (PDP)

Free lab tests

Free accidental injury coverage

Low premiums

High Option

For more information on each plan, see plan details.

For a detailed comparison of all benefits, visit the health plan comparisons page.

Consumer Driven Option

Eligibility and enrollment

All FEHB-eligible federal employees and retirees are eligible to enroll.

You don’t need to work for the U.S. Postal Service to enroll in APWU Health Plan. As part of enrollment, you will become an associate member of the American Postal Workers Union and be billed a $35 fee.

Ready to enroll?

Choose the option that works best for you:

  • Visit OPM online to download and complete the FEHB health benefits election form SF2809
  • Pick up form SF2809 in your employing office
  • Ask your agency if you can enroll online or by phone

Need help finding a health plan that’s right for you?

Download and access Health Plan resources

2026 FEHB High Option Summary of Benefits and Coverage (SBC)

2026 FEHB Consumer Driven Option Summary of Benefits and Coverage (SBC)

2026 Federal Brochure

Coming soon

Federal Health Plan Online Resources